Climate statement

Heartland Bank continued to identify, assess and manage its climate-related risks and opportunities in FY2026. Highlights against each pillar of its transition plan included:

* Integrate climate-related risk into lending decisions: used an enhanced physical risk assessment with more advanced modelling capabilities which better identified the bank’s exposures to multiple natural hazards.

* Fund borrowers’ transition to a net-zero economy: a significant increase in the proportion of the year’s Motor Finance lending attributed to new generation vehicles.  

* Embed sustainability into the way Heartland operates: the introduction of two schemes to encourage lower-cost, lower-emission employee commuting – WorkRide for cycling and scooters, and Extraordinary for public transport.